Benton Homes with USDA Loan Financing

Benton Homes with USDA Loan Financing

Welcome to Benton County, Missouri—a hidden gem nestled in the heart of the Ozarks, where picturesque landscapes meet a vibrant community spirit. Home to the charming city of Warsaw, Benton County offers a unique blend of natural beauty and small-town charm, making it an ideal place for families, retirees, and anyone seeking a tranquil lifestyle.

With its stunning lakes, lush forests, and rolling hills, Benton County is a haven for outdoor enthusiasts. Whether you enjoy fishing, hiking, or simply soaking in the scenic views, the area is brimming with recreational opportunities. The nearby Truman Lake provides a perfect backdrop for water sports, while the Ozark National Scenic Riverways offers breathtaking trails and pristine waters for kayaking and canoeing.

For those considering a move to Benton County, the housing market offers an array of options, from cozy cottages to spacious family homes. One of the standout features of this area is the availability of USDA Loan Financing, which makes homeownership more accessible for many. This government-backed loan program is designed to assist low to moderate-income families in purchasing homes in rural areas, and Benton County qualifies! With no down payment required and competitive interest rates, this financing option opens the door to your dream home in this idyllic setting.

In Benton County, you’ll find a warm community, excellent schools, and a slower pace of life that encourages connection and relaxation. Explore the possibilities of making this charming region your new home, and experience the joy of living in a place where nature and community harmoniously coexist. Your dream home awaits!

Newest Benton Homes with USDA Loan Financing

$249,900
3 Beds ⋅ 2 Baths
Every now and then, a home comes along that simply feels like the right place to slow down and enjoy life. Tucked into the Paradise Point community, this inviting 3-bedroom, 2-bath home blends modern updates with the relaxed lifestyle that draws so many to the Truman Lake area. The open floor plan creates an easy gathering space, while the kitchen features butcher block countertops, stainless steel appliances, and thoughtful finishes that add warmth and character. The main-level primary bedroom offers daily convenience, while 2 additional bedrooms and a bathroom upstairs provide flexible space for guests, hobbies, and more. Outside, the detached garage offers ample space for vehicles, tools, and all the gear that comes with lake living. With community access to a boat ramp at the 84 MM of Lake of the Ozarks, a swim area, and Truman Lake just moments away, weekends can be as adventurous, or as peaceful, as you choose. This isn't just a home near the lake…it's a place to enjoy the lifestyle that comes with it.

23142 Salley Drive, Warsaw

Listing courtesy of ANGIE SEATON of INTEGRITY HOME TEAM.
$224,900
4 Beds ⋅ 2 Baths
Welcome to your dream home at 32251 Branch Rd, Warsaw, MO. This stunning 4-bedroom, 2-bath residence has been meticulously updated from top to bottom, offering a perfect blend of modern amenities and timeless charm. As you step inside, you will be greeted by a bright and airy atmosphere, enhanced by brand new energy-efficient windows that provide breathtaking water views from almost every room, including the lower level. The home boasts a series of thoughtful upgrades, including: All new plumbing and lighting fixtures Beautiful natural wood accents throughout, including new stairs, mantle, and transitions Luxurious new flooring that complements the home's aesthetic Top-of-the-line LG Thin Q smart home appliances, just one year old Convenient USB outlets and remote control lighting for modern living The spacious layout features generous room sizes, with huge closets providing ample storage. The laundry facilities are conveniently located both upstairs and downstairs, making chores a breeze. This home is not just a place to live; it's a lifestyle. Imagine enjoying serene water views while sipping your morning coffee or hosting gatherings in your beautifully upgraded living spaces. The combination of modern conveniences and picturesque surroundings makes this property truly one of a kind. Don't miss your chance to own a home that has been loved and cared for like no other. Schedule a viewing today and experience the charm and elegance of this exceptional property!

32251 Branch Road, Warsaw

Listing courtesy of Katherine Nickel of Sedalia Realty.
$595,000
3 Beds ⋅ 3.5 Baths
Perfectly situated in the gorgeous Truman Lake town of Warsaw, MO. Voted one of the top lake towns in the state of Missouri! This exquisite 3 brm 3 1/2 bath home has been meticulously crafted by Jim McGovern Homes, consistently celebrated for exceptional craftmanship & timeless design. The seamless open floorplan ensures guests can mingle across areas without feeling left out. The main living area boasts of hardwood floors, stone gas fireplace & soaring ceilings. A highly optimized kitchen is complete with custom cabinets, beautiful quartz counters & pantry. Rare 3 suite layout. This home features 3 large master bedrooms with ensuite & walk-in closet. Two on the main floor & one in the lower level walk-out. Other features include main floor 1/2 bath, large mudroom & laundry room with beautiful custom cabinetry. Wonderful covered porch with maintenance free composite decking. Lower level showcases spacious family room with kitchenette, 3rd master suite, bath, three large storage rooms & a 16x16 unfinished room for 4th bedroom or golf cart garage. Lower level seamlessly flows out to an expansive patio with plenty of room for entertaining. This gorgeous lake home is ideal for multiple families with its ability for communal entertaining and private retreats. Just a walk away from the newer community pool & beautiful Lay Park. Just a golf cart ride away from restaurants, boutique shopping & Award Winning Drake Harbor! Featuring new playgrounds, bike rentals and beautiful lighted walkways around the famous Lake of the Ozarks. Come to historic Warsaw Missouri and enjoy world renowned fishing & boating. Its time, buy that Lake house! You won't regret it!!

1104 Jackson Street, Warsaw

Listing courtesy of Debra Anderson of Anstine Realty & Auction, LLC.
$174,900
2 Beds ⋅ 1 Baths
Escape to your dream lakeside retreat with this adorable, move-in-ready bungalow located just minutes from the water! Designed for ultimate relaxation, this low-maintenance home allows you to skip the "to-do" list and dive straight into the lake life. Premier Outdoor Living Entertainer's Deck: A spacious, newer L-shaped deck perfect for hosting summer barbecues. Detached Garage & Storage: Single-car garage featuring updated siding, a new well pump, and a dedicated parking pad for your boat or camper. Backyard Oasis: A cozy firepit area nestled behind the garage for crisp evenings under the stars. Bonus She-Shed: Equipped with electricity and set inside a fully fenced dog run, making it a perfect hobby space or pet haven. Modern & Inviting Interior Open-Concept Design: A gorgeous, sunlit kitchen flows seamlessly into the main living area. Breakfast Bar: A long, sit-at counter serves as the perfect hub for casual dining and entertaining. Comfortable Accommodations: Two cozy bedrooms sit just off the living area, including a spacious primary suite featuring an oversized closet with built-in lighting. Full Bath: A bright, well-appointed bathroom complete with a full shower With durable, newer vinyl siding on the exterior and turnkey updates inside, this charming property is fully prepared to welcome you home just in time for summer fun.

28886 Mortensen Road, Lincoln

Listing courtesy of Kenneth Hoyle of Anstine Realty & Auction, LLC.
$250,000
3 Beds ⋅ 2 Baths
Welcome to this charming 3-bedroom, 2-bath home nestled near Cole Camp Creek in the peaceful lake community of Lakeside Resort at Lakeside Estates. Whether you're looking for a full-time residence or a relaxing weekend getaway, this property offers the perfect blend of comfort and tranquility. Inside, you'll find a spacious kitchen with plenty of room for cooking and gathering, while the large porch provides the perfect place to relax and enjoy the peaceful surroundings. The home is located in the Cole Camp School District, serving Cole Camp Elementary and Cole Camp High School. The property includes a detached garage with electricity, plus a small storage shed with electricity, providing plenty of space for hobbies, storage, or lake toys. Two additional lots are included with the sale—Lot 17 (0.15± acres) and Lot 18 (0.17± acres)—offering extra room to enjoy or simply appreciate the added privacy. Enjoy the quiet atmosphere of this lakeside community, where many of the surrounding homes serve as seasonal retreats, creating a peaceful setting to relax and unwind.

28887 Mortensen Road, Lincoln

Listing courtesy of Chris Harrison of Keller Williams KC North.
$399,900
3 Beds ⋅ 4 Baths
Experience one of the most breathtaking, year-round views of Truman Lake from this move-in ready home just outside Warsaw, MO. Situated on just over 2 acres, this rare property combines panoramic lake views, privacy, and just under 3,000 finished square feet… an exceptional combination that's hard to find. The open-concept living space was designed to capture the incredible scenery, with expansive windows that fill the living, dining, and kitchen areas with natural light and showcase the lake in every season. Two main-level bedrooms each feature private en-suite bathrooms. The finished walkout lower level offers a spacious second living area, an additional bedroom and a full bathroom, providing flexible space for guests, a home office, recreation, or hobbies. The wooded lakeside setting and mature trees create a peaceful, secluded atmosphere, while three garage spaces and abundant parking provide room for vehicles, boats, and lake toys. The home is all electric, fully turnkey, and ready for immediate enjoyment. A rented marina boat slip is available to transfer to the new owner if desired, and for those ready to embrace lake life from day one, the current boat lift and boat are also available for purchase separately at closing. Opportunities to own a property offering this level of privacy, acreage, move-in-ready condition, and truly breathtaking year-round Truman Lake views are few and far between.

11045 Foothills Lane, Warsaw

Listing courtesy of ANGIE SEATON of INTEGRITY HOME TEAM.
$109,900
3 Beds ⋅ 1 Baths
Own this 3-bedroom, 1-bathroom ranch-style home nestled on a spacious 0.96-acre lot. With approximately 1,248 square feet of comfortable living area, this property features an attached 1-car garage which provides an opportunity for additional space for storage and other purposes. Located in Warsaw, the lot gives closer to nature scenery.

31700 Jules Trail, Other

Listing courtesy of Michael Zouglas of REO Xpress LLC.
$649,900
5 Beds ⋅ 3.5 Baths
Experience the best of lake living in this beautifully maintained 5-bedroom, 3.5-bath lakefront home, perfectly positioned on the quiet, family-friendly end of Lake of the Ozarks and just 5 minutes from downtown Warsaw. Built in 2021, this spacious 3,156 sq ft property offers three separate living areas and abundant sleeping space—ideal for large families, guests, or vacation rental potential. Located on a peaceful dead-end road and tucked into a serene cove, the home features a private dock and subdivision boat ramp access. The gently sloped yard provides effortless, no-stair access straight into the lake—perfect for kids, guests, and easy lake days. Inside, you’ll find engineered hardwood flooring, granite countertops, soft-close cabinetry, a generous walk-in pantry, gas cooktop, and exceptional storage throughout. The main living area is warm and inviting with a custom gas fireplace and expansive windows showcasing natural light and lake views from two sides. The additional living spaces can easily be converted into more sleeping quarters, allowing the home to comfortably accommodate 20+ people. The exterior is equally impressive with low-maintenance metal siding and roofing, composite wrap-around decking, mature landscaping, large shade trees, and a spacious concrete patio—perfect for outdoor dining or evenings around the fire pit. Enjoy lake days from your private dock and take advantage of the attached 2-car garage plus a 30x40 detached shop offering ample room for boats, lake toys, and equipment. This home is served by Southwest Electric Cooperative and was built with energy efficiency in mind. The owners’ average electric bill over the past 12 months is just $150.50, an exceptional value for a home of this size. Additional Features: • Dual-fuel HVAC system • Mini-split unit upstairs • 2x6 exterior walls • Hot tub hookup • Large concrete parking pad • Private neighborhood boat ramp • Excellent closet and storage space throughout

31745 Sleigh Lane, Warsaw

Listing courtesy of Eddie Davis of Orenda Real Estate Services.
$225,000
2 Beds ⋅ 1 Baths
Welcome to your dream lake home in the desirable Sky Village community! This charming 2-bedroom(1 bedroom nonconforming), 1-bathroom home has been tastefully updated and is ready for you to move in and start enjoying the lake life. The exterior boasts fresh paint, and the deck has been recently stained, perfect for relaxing and entertaining. Enjoy year-round comfort with two new mini-split systems installed less than a year ago. The roof is also less than a year old, providing peace of mind for years to come. Custom window shades add a touch of elegance and privacy. Located in the Sky Village community, you'll have access to community amenities, making this more than just a home—it's a lifestyle. Don't miss your chance to own this updated lake home!

10057 Otter Road, Clinton

Listing courtesy of Kimberly Davis of Anstine Realty & Auction, LLC.
$232,000
2 Beds ⋅ 1 Baths
Welcome to your Lake of the Ozarks retreat! This fully updated 2 bedroom cabin comes with a MASSIVE shop/garage perfect for storing your toys! Spend the day on the water with the community boat ramp and dock, located in a quiet cove right off the main channel. Spend summer nights under the cover of your private back deck, overlooking the lush tree line, or sit under the stars on the patio next to the fire. Concerned about the crawl space? Don't be! It's tall enough to stand in and even has extra storage space! This lake home will leave you wanting nothing more (other than more time to spend in it)! Book your appointment today!

28865 Plum Street, Warsaw

Listing courtesy of Justin Dean of 1st Class Real Estate KC.
$165,000
1 Beds ⋅ 1 Baths
**Back on market! Seller working on repairs after previous buyer walked away!** Affordable Lake Life at it's finest! This charming 1 bed lake cabin is the perfect way to start enjoying your new life on Truman Lake! The home features newer carpeting and paint inside as well as a 1 year-old ac/heat pump that keeps the whole home comfortable year-round without breaking the bank! The two-car garage is perfect for storing your fishing boat, atv, or jet-ski and the THREE decks provide an amazing place to come home and fire up the grill in the evening while the kids or pets play in the yard shaded by beautiful mature trees! This small home offers BIG value, so call and schedule your showing TODAY! This home will accept all loan types.

28473 Austin Lane, Warsaw

Listing courtesy of Justin Dean of 1st Class Real Estate KC.
$435,000
2 Beds ⋅ 2 Baths
Welcome to your peaceful escape on approximately 15 beautiful acres — a property designed for comfort, relaxation, and the freedom to enjoy the outdoors. Whether you’re dreaming of a weekend retreat or a full-time residence, this charming home offers the perfect setting. Ideally located just minutes from Warsaw, MO and close to both Truman Lake and Lake of the Ozarks, you’ll have quick access to boating, fishing, and endless recreation. The property features a spacious shop that includes a large game room complete with a kitchenette and bathroom, making it an excellent space for entertaining, hobbies, or hosting guests. Nearby, you’ll find a dedicated boat garage plus additional storage ideal for a tractor, mowers, or equipment — everything you need for lake life and land management. With room to roam and a peaceful setting that invites you to slow down and unwind, this property truly captures the best of Midwest living.

29553 Paradise Drive, Warsaw

Listing courtesy of Julie Snodgrass of EXP Realty LLC.
Start Your Search

The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use